Will NJ Condo Insurance Cover Floods and Earthquakes?

Will NJ Condo Insurance Cover Floods and Earthquakes.jpg
Will NJ Condo Insurance Cover Floods and Earthquakes? 

It’s a question we get asked more times than not, and the answer remains the same. No, NJ condo insurance, just like homeowners and renters insurance, does not cover
floods and earthquakes. NJ condo insurance does through cover the following:

  • Fire or lightning
  • Windstorm or hail
  • Explosion
  • Riot or civil commotion
  • Aircraft
  • Impact from vehicles
  • Smoke
  • Vandalism
  • Theft
  • Falling objects
  • Weight of ice, snow, or sleet
  • Collapse of a building or any part of a building
  • Accidental discharge or overflow of water or steam
  • Sudden and accidental tearing apart, cracking, burning or bulging
    of a steam or hot-water heating system; an air-conditioning or automatic
    fire-protective sprinkler system; or an appliance for heating water
  • Freezing of a plumbing, heating, air-conditioning, or automatic fire protective sprinkler system, or of a household appliance
  • Breakage of glass

The lesson learned here is to call one of our agents today and ask find out if you live in a flood zone. Chances are you do, and if so we strongly recommend purchasing NJ flood insurance. Also, if you want a little extra peace of mind you can think about adding adding earthquake coverage to
your NJ condo insurance policy. Hey you never know…